Matthew Ayoub

Mortgage Choice broker in Five Dock, Burwood, Ashfield, Croydon & surrounds

Call: 0418 111 057

Call Us Mortgage Choice Five Dock
Mobile - 0418 111 057
Office - 0418 111 057

Open Hours Mortgage Choice Five Dock
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Address

Suite 5, 81-85 Great North Road FIVE DOCK, NSW 2046

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Thanks for coming to my page...though it's the last time you will need to come to me, as I'll come to you! I'm Matthew, your Mortgage Choice Broker servicing Sydney's Inner West. Over my years as a Mortgage Broker I've seen the world get busier. We're now all looking for ways to preserve what spare time we have. As a result, finding time to investigate loan options let alone talk to the lenders during the day can be nigh on impossible for many. So why add unnecessary stress to the process of finding a loan?

My passion is to find the right lending solution for you and making the process as hassle free as possible. I'll be by your side from now until your property purchase is settled and beyond.

I'll do the shopping around...

After an initial chat during which I'll gather an understanding of your position and property goals, you can continue with your life whilst I examine dozens of loans from dozens of lenders to find the most suited loans for you. I'll present the options. Explain the details. Answer your questions and provide the guidance you need to choose the right loan for you.

BOOK AN APPOINTMENT

I'll do the running around...

With the loan chosen, I'll take care of the details. I'll process the loan application.

I'll manage the lender and liaise through to settlement, all the while keeping you informed without you having to lift a finger. Then at anytime, I'm a phone call away to discuss options or to review your loan. It is an end-to-end service, all designed to fit in with your timetable.

I can also help with more than home loans, I have the expertise to assist you with a variety of lending and insurance products. Ask me about:

First Home Buyer Home Loans
Owner Occupied Home Loan
Construction Loans
Investment Loans
Mortgages for the Self-Employed
Car Loans
Mortgage Protection Insurance

To benefit from my experience and the resources of Mortgage Choice give me a call or click and let me help you on your way to achieving your property goals.

What's next?

Which home loan would suit you?
Book a Home Loan Health Check
Find out if you're eligible for the First Home Owner's Grant

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

Client reviews

As a lawyer it is important to work with a good team to delver for customers. Matthew therefore is highly recommended as peer. He is able to work in complex matters and delivery outstanding results for clients. Highly recommed Matthew

Theodora
25 January 2024

If you want to have hassle free assistance with your loans, I'd like to recommend Matthew Ayoub of Mortgage Choice in Five Dock. He was great in assisting me refinance my home loan and went through the process thoroughly so as to help me understand what I was doing. Matthew was in constant contact with me and was always so happy to answer any of my questions, even if they were questions I had already... read more

Julia
15 January 2024

From beginning to end, our experience with Matthew has been nothing short of amazing. He was so accomodating, knowledgable and kind and made our purchase process seamless. He also provided regular updates to keep us informed of any changes or updates from the banks.
Thank you so much for all your help Matt Looking forward to working with you again.

Leila
25 March 2023

Matt has been amazing through out the journey, very professional, approachable and supportive. I would highly recommend him.

Saumyadarshan
20 October 2022

I cannot speak highly enough of Matthew and the efforts he went to ensuring I got the best home loan possible. The service was second to none, he was a pleasure to deal with. Thanks Matthew.

Nick
26 July 2022

Matthew went above and beyond for us. He is friendly, knowledgeable, organised, thorough and the reason why my husband and I are currently living in our dream home ?

Alexandra
18 June 2022

Matthew was very friendly and approachable, and very knowledgeable he was able to help my husband and i understand the process and helped us alot. I highly recommend going through Matthew. You definitely won't be disappointed

18 June 2022

Matthew did a fantastic job helping us with securing our business loan. He was very responsive, efficient, and thorough at addressing any enquiries we had making the whole process very simple and streamlined. Overall, a very pleasant experience dealing with Matthew and his team

G
18 June 2022

Matt is a legend and has helped me with numerous loans. Very happy client. Highly recommend.

S
18 June 2022

Matty was amazing, we wouldnt have the home of our dreams if it wasnt for his hard work and dedication.

nicholas
18 June 2022

Refinancing guide

Considering refinancing? Our guide explains the reasons, costs and steps involved in refinancing your home loan.

Download now

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Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $30,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $250,000 or less for your block. Concessions are available for vacant land valued above $250,000 and up to $400,000. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy a new home. You can choose from a house, apartment, townhouse or villa.

You will only be able to claim the FHOG SA if you pay below the following amounts for your home:

Before 14 June 2023: $575,000
After 15 June 2023: $650,000

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Click here for more information on the WA First home Owner Grant.